i would have had to go to bank of america for example or whatever it was. you know because i'm ancient, they did not exist. neil: then i am -- scotty, we have to do something we can recognize risk of thoseho need the aid not getting aid, but bigger risk no one gets aid because it will be priced out. >> not like the republicans are against education, but what is the real hype crease, barack obama is champions students supposedly, he will make $50 billion in profit off of the interest from the loans, ise doing this in best interest of students, if we gave government grants to make it equal to have status quo is fine, but this administration is using it to make a profit to make up for other losses. >> you are suggests that other presidents did not have pehl grants orelons that charged interest rates, i'm not clear -- >> i'm saying maka it status quo, not a profit. >> wait -- were you for keeping rates forc forcibly low or mart base rates? >> i'm market base, but i want to make sure we're not subsidizes by tax pair funds, we're making smart investment like we m